*APR means Annual Percentage Rate. For any loan where the mileage is OVER 100,000 miles, .25% will be added to the APR. The term and rate offered to you will be determined by your credit history.
1Term 76-84 months only available for loans $30,000 and over.
2Term 76-84 months only available for loans $30,000 and over and 2016 or newer model years. 3Term 61-66 months only available for 2011 and 2012 model years only.

Home Equity Loan Rates

Fixed Rate Home Equity

*APR means Annual Percentage Rate. The rate offered to you will be determined by your credit history, lien position and loan to value. Home Equity Loans are not available in some states. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $300 to $1,800.

Equity Advantage Line of Credit

The rate on your loan after the first 12 months will adjust to the below range in effect.

The APR on your loan could adjust between 4% and 18%

*APR means Annual Percentage Rate. This is a variable rate loan. Rates are based on the Prime Rate effective the first of each month and are adjusted monthly at the end of the month. The rate you receive is based on your credit history, lien position, and loan to value. Homeowner's insurance is required. Home Equity Loans are not available in some states. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $300 to $1,800. **Promotional rate does not apply to advances for credit life and credit disability insurance premiums.

Credit Card Rates

Credit Card Rates

11.74% - 14.74%
when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

Platinum Rewards

14.74% - 17.74%
when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

Signature Rewards+

13.74% - 16.74%
when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

Balance Transfer

Traditional11.74% to 14.74% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

Platinum Rewards14.74% to 17.74% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

Signature Rewards+13.74% to 16.74% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

*APR means Annual Percentage Rate. **The rate offered to you will be determined by your credit history. Approval subject to credit qualifications and lending guidelines. Please refer to the
Credit Card Disclosures
and
Credit Card Agreement (PDF)
for additional important information.

Checking & Savings Rates

Advantage Checking Rates

Rates are effective as of Sunday, September 1, 2019

Account Type

Dividend Rate*

APY**

Advantage Share
Draft Checking Account
1

0.05%

0.05%

1
Dividends are paid on any day when the balance in the account at the end of the day is $4000 or more.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Windfall® Checking Rates

Rates are effective as of Sunday, September 1, 2019

Account Type

Dividend Rate*

APY**

Windfall Checking
®1

2.47%

2.50%

1
Paid on any day on balances up to and including $20,000, provided criteria outlined in the Member Services Disclosures are met.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield.

All Purpose Savings Rates1

Rates are effective as of Sunday, September 1, 2019

Account Balance

Dividend Rate*

APY**

$0 to $2,499

0.10%

0.10%

$2,500 to $9,999

0.20%

0.20%

$10,000 to $24,999

0.30%

0.30%

$25,000 and over

0.40%

0.40%

1
The dividend rate on the Share Savings, All Purpose and Holiday Club Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Holiday Club Rates1

Rates are effective as of Sunday, September 1, 2019

Account Balance

Dividend Rate*

APY**

$0 to $2,499

0.10%

0.10%

$2,500 to $9,999

0.20%

0.20%

$10,000 to $24,999

0.30%

0.30%

$25,000 and over

0.40%

0.40%

1
The dividend rate on the Share Savings, All Purpose and Holiday Club Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

1
The dividend rate on the Share Savings, All Purpose and Holiday Club Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

Certificate Rates

Share and IRA Transfer Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, September 12, 2019.

$1,000 Minimum Deposit

Certificate Term
1

Dividend Rate*

APY**

3 months

0.80%

0.80%

6 months

1.00%

1.00%

12 months

1.25%

1.25%

18 months

1.45%

1.45%

24 months

1.60%

1.60%

36 months

2.00%

2.00%

48 months

2.25%

2.25%

60 months

2.45%

2.45%

1
Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Share and IRA Compounding Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, September 12, 2019.

$1,000 Minimum Deposit

Certificate Term
1

Dividend Rate*

APY**

3 months

0.80%

0.80%

6 months

1.00%

1.00%

12 months

1.24%

1.25%

18 months

1.44%

1.45%

24 months

1.59%

1.60%

36 months

1.98%

2.00%

48 months

2.23%

2.25%

60 months

2.42%

2.45%

1
Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Jumbo Share and IRA Transfer Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, September 12, 2019.

$100,000 Minimum Deposit

Certificate Term
1

Dividend Rate*

APY**

3 months

0.85%

0.85%

6 months

1.05%

1.05%

12 months

1.30%

1.30%

18 months

1.50%

1.50%

24 months

1.65%

1.65%

36 months

2.05%

2.05%

48 months

2.30%

2.30%

60 months

2.50%

2.50%

1
Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Jumbo Share and IRA Compounding Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, September 12, 2019.

$100,000 Minimum Deposit

Certificate Term
1

Dividend Rate*

APY**

3 months

0.85%

0.85%

6 months

1.05%

1.05%

12 months

1.29%

1.30%

18 months

1.49%

1.50%

24 months

1.64%

1.65%

36 months

2.03%

2.05%

48 months

2.28%

2.30%

60 months

2.47%

2.50%

1
Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Money Market Rates

Money Market Account Rates1

Account Balance

Dividend Rate*

APY**

$2,500 to $24,999

0.50%

0.50%

$25,000 to $99,999

0.60%

0.60%

$100,000 to $249,999

0.90%

0.90%

$250,000 and over

1.00%

1.00%

1
The dividend rate on Money Market Accounts is paid on the entire balance in the account as of the close of business that day. Money Market Accounts do not earn a dividend any day the balance falls below $2,500 as of end of business that day. The minimum deposit or withdrawal is $250, unless done by allocation. Dividends are paid monthly.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Business Checking & Savings Rates

Business Checking Rates

Account Type

Dividend Rate*

APY**

Business Checking Account
1

0.05%

0.05%

1
Dividends are paid on any day when the balance in the account at the end of the day is $4,000.00 or more.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Business All Purpose Savings Rates1

Account Balance

Dividend Rate*

APY**

$0 to $2,499

0.10%

0.10%

$2,500 to $9,999

0.20%

0.20%

$10,000 to $24,999

0.30%

0.30%

$25,000 and over

0.40%

0.40%

1
The dividend rate on the Business Share Savings and Business All Purpose Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Business Savings Rates1

Account Balance

Dividend Rate*

APY**

$0 to $2,499

0.10%

0.10%

$2,500 to $9,999

0.20%

0.20%

$10,000 to $24,999

0.30%

0.30%

$25,000 and over

0.40%

0.40%

1
The dividend rate on the Business Share Savings and Business All Purpose Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

Business Certificate Rates

Business Transfer Share Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, September 12, 2019.

$1,000 Minimum Deposit

Certificate Term
1

Dividend Rate*

APY**

3 months

0.80%

0.80%

6 months

1.00%

1.00%

12 months

1.25%

1.25%

18 months

1.45%

1.45%

24 months

1.60%

1.60%

36 months

2.00%

2.00%

48 months

2.25%

2.25%

60 months

2.45%

2.45%

1
Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Business Compounding Share Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, September 12, 2019.

$1,000 Minimum Deposit

Certificate Term
1

Dividend Rate*

APY**

3 months

0.80%

0.80%

6 months

1.00%

1.00%

12 months

1.24%

1.25%

18 months

1.44%

1.45%

24 months

1.59%

1.60%

36 months

1.98%

2.00%

48 months

2.23%

2.25%

60 months

2.42%

2.45%

1
Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Business Jumbo Transfer Share Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, September 12, 2019.

$100,000 Minimum Deposit

Certificate Term
1

Dividend Rate*

APY**

3 months

0.85%

0.85%

6 months

1.05%

1.05%

12 months

1.30%

1.30%

18 months

1.50%

1.50%

24 months

1.65%

1.65%

36 months

2.05%

2.05%

48 months

2.30%

2.30%

60 months

2.50%

2.50%

1
Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Business Jumbo Compounding Share Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, September 12, 2019.

$100,000 Minimum Deposit

Certificate Term
1

Dividend Rate*

APY**

3 months

0.85%

0.85%

6 months

1.05%

1.05%

12 months

1.29%

1.30%

18 months

1.49%

1.50%

24 months

1.64%

1.65%

36 months

2.03%

2.05%

48 months

2.28%

2.30%

60 months

2.47%

2.50%

1
Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Business Money Market Rates

Business Money Market Account Rates1

Account Balance

Dividend Rate*

APY**

$2,500 to $24,999

0.50%

0.50%

$25,000 to $99,999

0.60%

0.60%

$100,000 to $249,999

0.90%

0.90%

$250,000 and over

1.00%

1.00%

1
The dividend rate on Business Money Market Accounts is paid on the entire balance in the account as of close of business for that day. Business Money Market Accounts are subject to all the same terms and conditions as those described for Business Share Savings Accounts in the Business Account Agreement with the exception of the following terms: The minimum deposit or withdrawal is $250, unless done by allocation. Business Money Market Accounts do not earn a dividend any day the balance falls below $2500 as of end of business for that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.
Fees
could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Business Credit Card Rates

Business Visa® Credit Card Rates

Type

APR*

Initial Annual Percentage Rate for Purchases

5.99%
for six months**

Variable Rate

9.99% - 12.99%

Annual Percentage Rate for Advances other than Purchases

17.99%

*APR means Annual Percentage Rate. The rate offered to you will be determined by your credit history. **This offer is only available for six months and will be charged a 5.99% APR on purchases until the last day of your sixth billing period after six months from the first billing period. After that date, the 5.99% APR will expire and the APR for all outstanding purchases will be the APR you are approved for on such date. All payments will be applied to balances with the highest APRs first. Your APR for all other advances will remain the same. Approval subject to credit qualifications and lending guidelines.
Please refer to the
Business Credit Card Disclosures
for additional important information.